JT2 once bubbled...
I agree with just about everything here accept for the above statement. The 4-stroke is going to have a broader though lower rpm torque curve, which will allow it to pull a higher pitched prop in the lower rpm range thus giving it more bottom end and this also makes it better suited for heavy loads. Simply saying that you need less horsepower with a 4-stroke is not exactly true for every application, although I think in LoriP's situation the 4-stroke would be the best choice if they can lug it around. I am not a fan of 2-stroke eegbeaters, but pound for pound they can't be beat.
Absolutely I agree - different engines are good for different applications. In general I have found that for beating across open water my Yamaha 90 HP 2 stroke wasn't nearly as good as my Honda 75 HP 4-stroke.